New Citi Double Cash Credit Card Offers 2% Cash Back for Those Who Pay In Full Each Month

citibank-double-cash-credit-cardCitibank has launched a new credit card with a unique cash back formula — the new Double Cash Card gives you 1% cash back on all of your purchases, plus 1% cash back on all of your payments on those purchases (provided you make at least the minimum required payment each month). If you pay off your complete balance each month, you earn 2% cash back under this formula, making the Double Cash one of the most rewarding credit cards on the market today.
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Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Cash Rebate Credit Cards

upromise-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
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Are Credit One and Capital One the same company?

cap1logoSometimes in the banking world, names get confused because they have so many words in common. Just think how many banks have some combination of the following words in their name: “First”, “National”, “America”, “Financial”, “World, “City”, “Capital”, “U.S.”, “Credit”, and, of course, “Bank”.
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Review: Ross-Simons Credit Card

ross-simons-credit-cardJewelry retailer Ross-Simons, in partnership with Citibank, offers a credit card that allows you to finance large purchases at a 0% interest rate — but watch out! Our overview / review of the Ross-Simons credit card is below:

The first thing to know about the Ross-Simons credit card is that it is only accepted by Ross-Simons and not by any other retailers. Here at Credit Card Catalog we are not fans of credit cards with such limited acceptance — opening a new credit line can hurt your credit score, and opening new credit that can only be used occasionally may not be worth it, especially if you don’t have a great credit history.
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0% Balance Transfer Credit Cards

zero-percent2If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:
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Review: GAP Credit Card

gap-credit-cardThe GAP credit card, issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), is good at GAP stores as well as the rest of the GAP family: Old Navy, Banana Republic, Piperlime, and Athleta. See below for an overview / review of what the GAP credit card has to offer:
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La-Z-Boy Credit Card Payment, Login, and Customer Service Information

la-z-boy-credit-cardThe La-Z-Boy credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will deal with to pay your credit card bill online or by mail, or to get customer service help. Below you’ll find all the information you need to complete any of these tasks:

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Review: Lane Bryant Credit Card

lane-bryant-logoPlus size retailer Lane Bryant offers a credit card in partnership with Comenity Bank that allows you to buy on credit and earn Lane Bryant rewards plus other perks. Our overview / review of the card is below:

First off, you should know that the Lane Bryant credit card can only be used at Lane Bryant as well as at sister store Catherines. This limited acceptance is a strike against the card — opening a new credit line can hurt your credit score, especially if you have a shaky credit history, and opening new credit with limited acceptance such as this may not be worth it.
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Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
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Review: Shell Credit Cards

shell-logoIn partnership with Citibank, Shell offers a number of consumer and business credit cards. They are detailed below, with a short review of each. Be sure to check our gasoline credit cards section for other options on gas reward credit cards.

  • The Shell Drive For Five Card offers a decent gas rebate IF you buy a good amount of gas each month. Here’s how it works. If you buy at least 45 gallons of Shell gas in a month with this credit card, you will get a 5-cent-per-gallon rebate, and you’ll get that rebate on all gallons purchased up to 100 gallons in a month.

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Do credit unions help build credit?

credit-cards-smallCredit unions are confusing to many people, even though they work pretty much like regular banks. One of the things that people wonder about is whether having a loan or credit card through a credit union can help you build your credit history and/or improve your credit score. The answer is yes.
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Restoration Hardware Credit Card Payment, Login, and Customer Service Information

restoration-hardware-credit-cardThe Restoration Hardware credit card is issued in partnership with Comenity Bank, and you will deal with Comenity when it comes to paying your bill online or by mail, or to get customer service assistance. You’ll find all of the information you need to complete any of these tasks below:

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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Does credit card debt pass on to children?

cardsA common question I get is whether a mother’s or father’s credit card debt is passed on to their children when the parent dies. The answer is no.

Children are not liable for their parents’ debts. When someone dies, credit card companies or other creditors have the choice to simply write off the debt or to try to be paid by the person’s estate. (The estate is any money or assets that the person left behind, whether in cash or in property.) So the credit card company might get paid from a parent’s leftover assets, causing the children to inherit less money. But the payment won’t come out of the children’s pockets.
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American Eagle Credit Card Payment, Login, and Customer Service Information

american-eagle-credit-cardAmerican Eagle credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and you will go through Synchrony Bank in order to make payments, reach customer service, or otherwise manage your account. Below is all the info you need to pay your bill or get questions answered:

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